Big Sky Trades & Labor

East Helena, MT · Charter 7284

Q4 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

East Helena, MT · Charter 7284

Q4 1997

$111KAssets

$77KLoans

$103KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-9.59%-1,386 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.27%	5.58%	5.53%	4.55%	-9.59%	-1,386 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	0.42%	-2.59%	-7.02%	-24.59%	n/a
Loan Growth (YoY)	n/a	21.02%	-0.30%	-7.52%	-36.42%	n/a
Share Growth (YoY)	n/a	-3.17%	-7.01%	-12.02%	-16.69%	n/a
Asset Quality
Delinquent Loans / Loans	1.35%	1.26%	4.51%	11.66%	23.82%	+2,247 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.34%	3.36%	3.40%	2.41%	22.83%	+1,949 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	97.92%	102.43%	96.52%	95.42%	74.73%	-2,319 bps
Liquid Assets / Assets	12.43%	14.20%	18.74%	18.08%	32.96%	+2,053 bps